Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$263,246Cash toward the purchase price.
Closing costs + prepaids$12,771Not just lender fees.
Before credits & paid funds$276,017The complete starting cash picture.
Estimated remaining funds due at closing
$276,017No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$263,245.79
Your down payment$263,245.79
Closing costs + prepaids$12,770.73
Total buyer cash needed$276,016.52
Remaining funds due$276,016.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$4,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,178.77
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$445.50
Initial HOA (3 months)$24.99
Prepaid interest, first (24 days)$663.47
Fees + prepaids$12,770.73
Your down payment is the seller’s equity. You take over the $235,754 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $276,016.52 is due at closing. Uses and sources reconcile at $511,770.73 each. Not a Closing Disclosure.